You should not be borrowing just for the sake of it. With a decent household income, you shouldn't realy have a £3600 debt. If you can't get that paid off within a few months, you need to be looking at your budgets. There is nothing wrong with paying off the costs of the honeymoon over a few months if it wont incur charges but the big danger is that, because there wont be charges to start with, you wont start thinking about a plan for paying it off until the charges kick in.

Okay . . . I was considering paying for it on a credit card with 0% interest on purchases for 12 months so that i could pay it off within 3 months and not incur any interest. Would this not be advisable?

My advice is to pay off your credit card debt before considering spending £5k on anything. With £60k of income, you should not be thinking about borrowing £5k for a period longer than the time between a purchase and the due date on the statement.

We are getting married in September and have seen our perfect honeymoon. My fiance and I have lived together for 6 years so aren't doing the traditional wedding gift list. Instead, we are going to suggest that if any of our guests would like to contribute to the cost of the honeymoon, this would be much appreciated (but certaintly not expected!)

Anyway .... the Honeymoon costs £5000, which we will need to pay for in June. However, we will probably not be able to pay this off until after the wedding in September. So - could you please suggest the best way of doing this and perhaps recommend a credit card that would give us the best deal. I already have a credit card with Capital One with a limit of £4300 and have a balance of £3600 on it. Our household income is approx £60,000 per year.

Any help would be greatly appreciated

Thanks for your time